MTC
MMTec, Inc.
Software - Application
Market Cap$189M
5Y Perf.-95.6%
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Stock Comparison
MTC vs TIGR
Revenue, margins, valuation, and 5-year total return — side by side.
TIGR
UP Fintech Holding Ltd. Sponsored ADR Class A
Financial - Capital Markets
Market Cap$676M
5Y Perf.+108.1%
MTC vs TIGR — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | MTC | TIGR |
|---|---|---|
| Industry | Software - Application | Financial - Capital Markets |
| Market Cap | $189M | $676M |
| Revenue (TTM) | $2M | $392M |
| Net Income (TTM) | $-74M | $118M |
| Gross Margin | 199.3% | 65.0% |
| Operating Margin | -299.6% | 35.6% |
| Forward P/E | 2.1x | 7.3x |
| Total Debt | $32M | $180M |
| Cash & Equiv. | $3M | $394M |
MTC vs TIGR — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
MTC
TIGR
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| MMTec, Inc. (MTC) | 100 | 4.4 | -95.6% |
| UP Fintech Holding … (TIGR) | 100 | 208.1 | +108.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: MTC vs TIGR
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: MTC leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. UP Fintech Holding Ltd. Sponsored ADR Class A is the stronger pick specifically for profitability and margin quality and operational efficiency and capital deployment. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
MTC
MMTec, Inc.
The Income Pick
MTC carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- beta 1.30
- Rev growth 114.8%, EPS growth -308.6%, 3Y rev CAGR 48.7%
- Lower volatility, beta 1.30, current ratio 0.41x
Best for: income & stability and growth exposure
TIGR
UP Fintech Holding Ltd. Sponsored ADR Class A
The Banking Pick
TIGR is the clearest fit if your priority is long-term compounding.
- -35.3% 10Y total return vs MTC's -98.4%
- 15.5% margin vs MTC's -35.1%
- 1.6% ROA vs MTC's -365.8%, ROIC 13.8% vs -2.2%
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | MTC | 114.8% revenue growth vs TIGR's 43.7% |
| Value | MTC | Lower P/E (2.1x vs 7.3x) |
| Quality / Margins | TIGR | 15.5% margin vs MTC's -35.1% |
| Stability / Safety | MTC | Beta 1.30 vs TIGR's 2.02 |
| Dividends | Tie | Neither stock pays a meaningful dividend |
| Momentum (1Y) | MTC | +5.5% vs TIGR's -25.6% |
| Efficiency (ROA) | TIGR | 1.6% ROA vs MTC's -365.8%, ROIC 13.8% vs -2.2% |
MTC vs TIGR — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2024
MTC vs TIGR — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLTIGRLAGGINGMTC
MTCMMTec, Inc.
1leads
TIGRUP Fintech Holding Lt…
4leads
6 Total Categories
CATEGORYLEADERvs MTCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
TIGR4/5
Valuation MetricsMultiples, price ratios, and targets
TIGR3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
TIGR8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
TIGR4/6
Risk & VolatilityBeta, volatility, and downside exposure
MTC2/2
Analyst OutlookRatings, price targets, and dividends
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Income & Cash Flow (Last 12 Months)
TIGR leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
TIGR is the larger business by revenue, generating $392M annually — 184.9x MTC's $2M. TIGR is the more profitable business, keeping 15.5% of every revenue dollar as net income compared to MTC's -35.1%.
| Metric | MTCMMTec, Inc. | TIGRUP Fintech Holdin… |
|---|---|---|
| RevenueTrailing 12 months | $2M | $392M |
| EBITDAEarnings before interest/tax | -$6M | $225M |
| Net IncomeAfter-tax profit | -$74M | $118M |
| Free Cash FlowCash after capex | -$3M | $673M |
| Gross MarginGross profit ÷ Revenue | +199.3% | +65.0% |
| Operating MarginEBIT ÷ Revenue | -3.0% | +35.6% |
| Net MarginNet income ÷ Revenue | -35.1% | +15.5% |
| FCF MarginFCF ÷ Revenue | -146.4% | +2.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -61.4% | +12.4% |
TIGR leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
TIGR leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
| Metric | MTCMMTec, Inc. | TIGRUP Fintech Holdin… |
|---|---|---|
| Market CapShares × price | $189M | $676M |
| Enterprise ValueMkt cap + debt − cash | $219M | $462M |
| Trailing P/EPrice ÷ TTM EPS | -2.06x | 19.25x |
| Forward P/EPrice ÷ next-FY EPS est. | 2.12x | 7.32x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | 3.13x |
| Price / SalesMarket cap ÷ Revenue | 101.24x | 1.73x |
| Price / BookPrice ÷ Book value/share | 7.06x | 1.77x |
| Price / FCFMarket cap ÷ FCF | 263.51x | 0.82x |
TIGR leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
TIGR leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
TIGR delivers a 17.6% return on equity — every $100 of shareholder capital generates $18 in annual profit, vs $-122 for MTC. TIGR carries lower financial leverage with a 0.27x debt-to-equity ratio, signaling a more conservative balance sheet compared to MTC's 1.22x. On the Piotroski fundamental quality scale (0–9), TIGR scores 6/9 vs MTC's 5/9, reflecting solid financial health.
| Metric | MTCMMTec, Inc. | TIGRUP Fintech Holdin… |
|---|---|---|
| ROE (TTM)Return on equity | -122.4% | +17.6% |
| ROA (TTM)Return on assets | -3.7% | +1.6% |
| ROICReturn on invested capital | -2.2% | +13.8% |
| ROCEReturn on capital employed | -2.9% | +18.7% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 6 |
| Debt / EquityFinancial leverage | 1.22x | 0.27x |
| Net DebtTotal debt minus cash | $29M | -$214M |
| Cash & Equiv.Liquid assets | $3M | $394M |
| Total DebtShort + long-term debt | $32M | $180M |
| Interest CoverageEBIT ÷ Interest expense | -1.26x | 3.26x |
TIGR leads this category, winning 8 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
TIGR leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in TIGR five years ago would be worth $4,043 today (with dividends reinvested), compared to $552 for MTC. Over the past 12 months, MTC leads with a +547.4% total return vs TIGR's -25.6%. The 3-year compound annual growth rate (CAGR) favors TIGR at 33.7% vs MTC's -0.0% — a key indicator of consistent wealth creation.
| Metric | MTCMMTec, Inc. | TIGRUP Fintech Holdin… |
|---|---|---|
| YTD ReturnYear-to-date | +117.1% | -33.6% |
| 1-Year ReturnPast 12 months | +547.4% | -25.6% |
| 3-Year ReturnCumulative with dividends | -0.1% | +139.0% |
| 5-Year ReturnCumulative with dividends | -94.5% | -59.6% |
| 10-Year ReturnCumulative with dividends | -98.4% | -35.3% |
| CAGR (3Y)Annualised 3-year return | -0.0% | +33.7% |
TIGR leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
MTC leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
MTC is the less volatile stock with a 1.30 beta — it tends to amplify market swings less than TIGR's 2.02 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. MTC currently trades 82.6% from its 52-week high vs TIGR's 51.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | MTCMMTec, Inc. | TIGRUP Fintech Holdin… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.30x | 2.02x |
| 52-Week HighHighest price in past year | $9.10 | $13.55 |
| 52-Week LowLowest price in past year | $0.25 | $5.95 |
| % of 52W HighCurrent price vs 52-week peak | +82.6% | +51.1% |
| RSI (14)Momentum oscillator 0–100 | 51.6 | 46.0 |
| Avg Volume (50D)Average daily shares traded | 79K | 2.3M |
MTC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
| Metric | MTCMMTec, Inc. | TIGRUP Fintech Holdin… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Sell |
| Price TargetConsensus 12-month target | — | $4.73 |
| # AnalystsCovering analysts | — | 4 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | — | — |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Insufficient data to determine a leader in this category.
Key Takeaway
TIGR leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). MTC leads in 1 (Risk & Volatility).
Best OverallUP Fintech Holding Ltd. Spo… (TIGR)Leads 4 of 6 categories
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MTC vs TIGR: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is MTC or TIGR a better buy right now?
For growth investors, MMTec, Inc.
(MTC) is the stronger pick with 114. 8% revenue growth year-over-year, versus 43. 7% for UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR). UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) offers the better valuation at 19. 3x trailing P/E (7. 3x forward), making it the more compelling value choice. Analysts rate UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) a "Sell" — based on 4 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — MTC or TIGR?
On forward P/E, MMTec, Inc.
is actually cheaper at 2. 1x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — MTC or TIGR?
Over the past 5 years, UP Fintech Holding Ltd.
Sponsored ADR Class A (TIGR) delivered a total return of -59. 6%, compared to -94. 5% for MMTec, Inc. (MTC). Over 10 years, the gap is even starker: TIGR returned -35. 3% versus MTC's -98. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — MTC or TIGR?
By beta (market sensitivity over 5 years), MMTec, Inc.
(MTC) is the lower-risk stock at 1. 30β versus UP Fintech Holding Ltd. Sponsored ADR Class A's 2. 02β — meaning TIGR is approximately 55% more volatile than MTC relative to the S&P 500. On balance sheet safety, UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) carries a lower debt/equity ratio of 27% versus 122% for MMTec, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — MTC or TIGR?
By revenue growth (latest reported year), MMTec, Inc.
(MTC) is pulling ahead at 114. 8% versus 43. 7% for UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR). On earnings-per-share growth, the picture is similar: UP Fintech Holding Ltd. Sponsored ADR Class A grew EPS 71. 4% year-over-year, compared to -308. 6% for MMTec, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — MTC or TIGR?
UP Fintech Holding Ltd.
Sponsored ADR Class A (TIGR) is the more profitable company, earning 15. 5% net margin versus -48. 8% for MMTec, Inc. — meaning it keeps 15. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TIGR leads at 35. 6% versus -163. 8% for MTC. At the gross margin level — before operating expenses — MTC leads at 81. 6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is MTC or TIGR more undervalued right now?
On forward earnings alone, MMTec, Inc.
(MTC) trades at 2. 1x forward P/E versus 7. 3x for UP Fintech Holding Ltd. Sponsored ADR Class A — 5. 2x cheaper on a one-year earnings basis.
08Which pays a better dividend — MTC or TIGR?
None of the stocks in this comparison currently pay a material dividend.
All are effectively zero-yield and should be held for capital appreciation rather than income.
09Is MTC or TIGR better for a retirement portfolio?
For long-horizon retirement investors, MMTec, Inc.
(MTC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding. UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) carries a higher beta of 2. 02 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (MTC: -98. 4%, TIGR: -35. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between MTC and TIGR?
These companies operate in different sectors (MTC (Technology) and TIGR (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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